You should know never lie to your insurance company, that would be fraud.
But what you say and what you do does matter. Moreover, it could mean the difference between how much an automobile accident, is covered and what impact it will have on your premium.

Keep in mind when dealing with your auto insurance:

1 - Never admit fault, let it all get figured out by insurance companies.
Even if it is your fault, don't come out and say it, taking the blame could mean that your insurance is picking up
100% of the claim.

2 - Don't give your opinion.
Many times your opinion of a situation is not totally accurate and it could hurt you, use the words "in my opinion."

3 - Never leave the scene, stay until the police come.
Even if is your fault, the other driver could exaggerate the degree of accident or say you just drove away that could lead
to more problems.

4 - Make sure the other driver gets the ticket.
If you're involve in an accident, where the other driver was clearly at fault.
It's proof that it wasn't your fault.

5 - Report every ailment and medication.
Most insurance policies will require at least a urine sample and often a blood test.

6 - Avoid using Whiplash to describe that pain in your neck. Muscle injuries don't show up on X-rays.

If the insurance company find out you've lied about something, they will enforce your policy to the letter.
Telling the truth is always the best policy

When collision happen !

What not to do after an accident:

• Do not give a recorded statement to the other driver's insurance company. It can be used against you later on.
Insurance companies must ask you for your permission in order to record an interview.

• Do not make friendly conversation with the adjuster, stick to business and only tell them the "who," "what," "when" and "where." Don't even tell them the "how".

• Do not give out any information about your family.

• Do not give out the names of your doctors and contact information.

• Do not sign a medical release. Law protects your medical records.
Iinsurance companies may use this release to dig through all your medical history.

Report accident to Collision Reporting Centre

Collision Reporting Centre is a facility created to help motorists in reporting motor vehicle collisions.
This service is currently available in a number of urban centres. No fees are charged.

As soon as possible, bring your vehicle to the Collision Reporting Centre

Bring documentation with you to the Collision Reporting Centre: driver's licence, ownership and car insurance.

When you should go to Collision Reporting Centre

Any driver involved in a collision where damage to vehicles or property is more than $1,000 may report the collision to a Collision Reporting Centre. Police will come to the scene when one or more of the following situations apply.